> ## Documentation Index > Fetch the complete documentation index at: https://docs.interchange.io/llms.txt > Use this file to discover all available pages before exploring further. # Request payment terms and credit > Request an organization credit limit and post-pay terms. Payment terms default to Net 60. Parent and standalone buyer accounts only; children inherit their parent standing. ## OpenAPI ````yaml /v2/buyer-api-v2.yaml post /credit-applications/v2 openapi: 3.0.0 info: title: Scope3 Buyer API version: 2.0.0 description: |- REST API for advertisers to manage advertisers, campaigns, and reporting. ## Authentication All endpoints require a Bearer token in the Authorization header: ``` Authorization: Bearer your-api-key ``` ## Base URL `https://api.interchange.io/api/v2/buyer` ## For AI Agents AI agents can use the MCP endpoint at `/mcp/v2/buyer` with three tools: - `initialize`: Start an MCP session - `api_call`: Make REST API calls - `ask_about_capability`: Learn about API features servers: - url: https://api.interchange.io/api/v2/buyer description: Production server security: [] tags: - name: Signup description: Request reviewed access to Interchange - name: Account description: Account management, service tokens, and preferences - name: Asks description: >- What you are waiting on Scope3 for — support, product, and supply asks in one list - name: Advertisers description: Manage advertisers - name: Product Discovery description: Discover and select products - name: Campaigns description: Manage advertising campaigns - name: Creatives description: Build, manage, and sync campaign creatives via AdCP Creative Protocol - name: Reporting description: Access performance metrics - name: Event Sources description: >- Manage event source configurations and log conversion/marketing events for attribution - name: Property Lists description: Validate property lists against AAO registry - name: Sales Agents description: View and connect sales agents - name: Measurement description: Measurement sources, records, context, and freshness - name: Syndication description: Syndicate resources to ADCP agents - name: Tasks description: Track async operation status - name: Buyer Billing description: >- Consolidated invoicing for buyers — invoices and pending invoice items issued by Scope3 across the buyer customer. - name: MCP description: Model Context Protocol endpoints for AI agents paths: /credit-applications/v2: post: tags: - Buyer Billing summary: Request payment terms and credit description: >- Request an organization credit limit and post-pay terms. Payment terms default to Net 60. Parent and standalone buyer accounts only; children inherit their parent standing. operationId: submitCreditApplication requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/SubmitCreditApplicationBody' responses: '200': description: Request payment terms and credit content: application/json: schema: $ref: '#/components/schemas/CreditApplicationResponseV2' '400': description: Bad request content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '401': description: Unauthorized content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' '500': description: Internal server error content: application/json: schema: $ref: '#/components/schemas/ErrorResponse' security: - bearerAuth: [] components: schemas: SubmitCreditApplicationBody: description: >- Request body for a buyer submitting a credit-line application. The applicant customer is taken from the auth context, not this body. type: object properties: requestedCreditLimit: description: >- Requested credit limit in the currency minor units (e.g. cents). Must be > 0 and at most 100,000,000,000 (≈ $1B) — prepay (no line) needs no application. type: integer maximum: 100000000000 minimum: 1 currency: description: >- ISO 4217 currency the requested limit is denominated in. Defaults to USD. default: USD type: string requestedPaymentTerms: description: >- Requested post-pay terms. Defaults to `net_60`; the seller must counteroffer rather than silently substitute different terms. default: net_60 type: string enum: - net_15 - net_30 - net_45 - net_60 - net_90 justification: description: Free-text context for the request (expected volume, business case). type: string maxLength: 4000 required: - requestedCreditLimit CreditApplicationResponseV2: description: >- A versioned credit application with explicit counteroffer lifecycle state. type: object properties: id: description: Surrogate id of the application row (BIGINT serialized as string). example: '42' type: string customerId: description: >- Credit-bearing customer the application is for (PARENT or STANDALONE). type: integer minimum: -9007199254740991 maximum: 9007199254740991 customerName: description: >- Display name of the applicant account (company name, falling back to the customer's name). Resolved server-side from the core customer record; null on buyer-facing reads or when the customer cannot be resolved. nullable: true type: string requestedCreditLimit: description: Requested limit in currency minor units. type: integer minimum: -9007199254740991 maximum: 9007199254740991 requestedPaymentTerms: description: >- Post-pay terms requested by the buyer. Null only for applications created before payment terms were collected. nullable: true type: string enum: - net_15 - net_30 - net_45 - net_60 - net_90 currency: description: ISO 4217 currency of the limits on this application. type: string status: description: >- Lifecycle state. `PENDING` until review; `COUNTEROFFERED` when Scope3 proposes a different limit or payment term and awaits buyer acceptance; `APPROVED` once the agreed standing is effective; `REJECTED` when declined; `WITHDRAWN` when the applicant pulls an open request. type: string enum: - PENDING - COUNTEROFFERED - APPROVED - REJECTED - WITHDRAWN justification: description: Free-text context supplied on submit. Null when not given. nullable: true type: string grantedCreditLimit: description: >- Limit granted on approval or proposed in a counteroffer, in currency minor units. Null until review. nullable: true type: integer minimum: -9007199254740991 maximum: 9007199254740991 grantedPaymentTerms: description: >- Terms granted on approval or proposed in a counteroffer. Null until review. nullable: true type: string enum: - net_15 - net_30 - net_45 - net_60 - net_90 acceptedBy: description: >- Buyer user id that explicitly accepted a counteroffer. Null for direct approvals and service-token acceptances; `acceptedAt` still records service-token acceptance. nullable: true type: string acceptedAt: description: >- When the buyer accepted a counteroffer. Null when no acceptance was required. nullable: true type: string format: date-time pattern: >- ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$ reviewedBy: description: >- User id of the superadmin who decided (BIGINT serialized as string). Null while pending. nullable: true type: string reviewerName: description: >- Display name (or email) of the superadmin who decided, resolved server-side from the core user record. Null while pending, on buyer-facing reads, or when the reviewer cannot be resolved. nullable: true type: string reviewedAt: description: When the decision was recorded (ISO 8601). Null while pending. nullable: true type: string format: date-time pattern: >- ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$ reviewerNotes: description: Superadmin note attached to the decision. Null while pending. nullable: true type: string createdAt: description: When the application was submitted (ISO 8601). type: string format: date-time pattern: >- ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$ updatedAt: description: When the row was last modified (ISO 8601). type: string format: date-time pattern: >- ^(?:(?:\d\d[2468][048]|\d\d[13579][26]|\d\d0[48]|[02468][048]00|[13579][26]00)-02-29|\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\d|30)|(?:02)-(?:0[1-9]|1\d|2[0-8])))T(?:(?:[01]\d|2[0-3]):[0-5]\d(?::[0-5]\d(?:\.\d+)?)?(?:Z))$ required: - id - customerId - customerName - requestedCreditLimit - requestedPaymentTerms - currency - status - justification - grantedCreditLimit - grantedPaymentTerms - acceptedBy - acceptedAt - reviewedBy - reviewerName - reviewedAt - reviewerNotes - createdAt - updatedAt additionalProperties: false ErrorResponse: description: Standard error response type: object properties: data: type: string nullable: true enum: - null error: $ref: '#/components/schemas/ApiError' required: - data - error additionalProperties: false ApiError: description: Structured error object type: object properties: code: description: Machine-readable error code type: string message: description: Human-readable error message type: string field: description: Field path associated with the error type: string details: description: Additional error context type: object additionalProperties: {} required: - code - message additionalProperties: false securitySchemes: bearerAuth: type: http scheme: bearer description: API key or access token ````